Services & Fees Overview
Group Pension Schemes & Corporate Trustee Services
Each case is assessed individually, however the standard fee structure is as follows:
Full Financial Plan Package:
€500 – €6,500 (depending on complexity). The exact fee will be confirmed in the Terms of Business.
💡 Annual Maintenance:
- Maintenance fee: €1,500 per annum (indexed in line with CPI)
- Servicing fee: Up to €75 per member, per annum
- Fund-based commissions: 0 – 0.75% per annum
- This service may also be provided on a commission basis – see Scale of Commissions below
- Annual Fee: Usually around €100 plus up to €50 per member per annum (depending on pension scheme size)
🧩 Small Self-Administered Pension Schemes (SSAPS)
- Set-Up Fee: €2,000
- The annual maintenance fee mentioned above may be higher if the SSAPS includes investment in direct property.
Professional Advisory Services
| Service | Fee Structure |
|---|---|
| Pensions Advice & Reviews | €200 – €250 per hour (depending on complexity) |
| Overall Financial Review | €200 – €250 per hour (depending on complexity) |
| Corporate Advisory Fees | Negotiated case-by-case but generally €200 – €250 per hour |
Scale of Commissions
Pensions – Group Scheme, Executive, Personal, PRSA (Regular Contributions)
- Level Commission Model: Up to 5% of annual contribution
- Initial & Renewal Commission Model:
- Initial: Up to 25% of annual contribution
- Renewal: Up to 5% per annum
- Fund-Based Commission: Up to 1% per ann
- Buy-Out Bond / ARF / AMRF
- Initial Commission: 2% – 5% of amount invested
- Fund-Based Commission: Up to 1% per annum
Single Contributions
- Up to 225% of annual premium
- Annual renewal commission may also apply
Buy-Out Bond / ARF / AMRF
- Initial Commission: 2% – 5% of amount invested
- Fund-Based Commission: Up to 1% per annum
Protection Products
Term Assurance, Mortgage Protection, Specified Illness, Income Protection
- Up to 225% of annual premium
- Annual renewal commission may also apply
Group Risk
- Between 6% and 12.5% of annual premium
Investment Bonds
- 2% – 3% of amount invested
- Annual renewal commission may also apply
- Fund-Based Commission: Up to 1% per annum
Regular Savings Plans
- Up to 25% of annual premium
- Annual renewal commission: Up to 5% may apply
- Fund-Based Commission: Up to 1% per annum
Structured Investment Products
- Up to 5% of amount invested (typically built into the product pricing structure)
- Fund-Based Commission: Up to 1% per annum
Residential Mortgages & Re-Mortgaging
- 0.75% – 1% of loan amount
- Minimum Fee: €1,000 – balance payable by client
Please Note:
Some life insurance companies may provide additional remuneration; however, this will not affect your contract in any way.
